Rapo & Jepsen Financial & Insurance Services

BE WARNED!
I’ve never written a negative review for a company, but my hope is that you don’t have the same experience that I had.
Rapo & Jepsen employs agents who work as middle men with a few insurance companies. I was in search of auto-​insurance, and my agent ended up being Felipe Delucca (
). At their offices, he said they would sort out my insurance, took $ 300 — which he said is deducted from the first 3 months of my annual premium — gave me my paperwork, and said my insurance card would be sent out in a few weeks.
A month later, I get an additional $ 700 bill in the mail. After several days of calling Felipe, (he would not return my calls), he finally responded to say that my premiums are much higher then when I signed the contract because I needed to submit my out-​of-​state driving record. This is the first I’d heard of this, so I contacted the CO and NY DMVs, then mailed the paperwork for a certified copy. As far as my insurance, I wanted to make sure I wouldn’t be charged late-​fees and for an honest explanation since I was never told about this when they took my money.
Needless to say, I called Rapo & Jepsen for over 2 weeks to ask for an explanation and to speak with a manager/​owner/​partner, but no one returned my calls.
I’ve submitted official complaints with The Department of Insurance and The Attorney General’s Office — both of which are not the first for Rapo & Jepson, I’ve learned. THE ATTORNEY GENERAL’S OFFICE ACTUALLY SUGGESTED THAT I POST HERE TO WARN OTHERS. Seriously, how messed up does your company need to be for that to happen? I was also told that these agents get paid on commission, so after they sign you up, they have no incentive to be of any help.
I’m sure it’s easier to find insurance in MA, but definitely stay away from Rapo & Jepson.
Cheers,
d

this agency basically does not care.
they do lie and its going to cost you money.
my Auto ins policy went up over $ 1000.00 dollars. called them to find out why.
turns out that my ex wife of seven years ago was added to my policy.
was told to fill out an exclusion form and that I would be refunded the over charge.
following month I notice the same amount withdrawn from my account.
called them again. was told they couldn’t do anything until they contacted the underwriter and it would be about four days.
they say they will call back and they don’t. when you call them they will tell you anything to get rid of you.
finally I was forced to change agencies and found I was overpaying to begin with. got better converge little less money and whole lot better customer service.
was with Rapo and Jepson for many years. home and Auto. this three guys that run this agency don’t want to do any work. they want to talk about what they did on the weekend. as soon as you walk in, you’ll notice how unprofessional the place is.
wonder of any chance of getting the money I was over charge back.
not even going to bother. this mediocracy will catch up to them.

This is the worst carrier I have ever dealt with. When I requested a change of address to my homeowner’s insurance, they did not get back to me for 2 months. Over this time period I contacted them by phone and email several times. 4 months later, they informed me that I would have to cancel the policy since I have moved out of state. Which they neglected to tell me when I started the process. And now I am still waiting on a refund. The rep has been extremely apathetic, saying my emails went to his spam folder, and denying receipt of my voicemails. Best to go through Geico, Progressive, any of the major insurance companies, but I did not know that when I solicited Rapo & Jepsen’s services. Live and learn!

I came here wanting a simple renter’s insurance policy. And that’s what I got… or so I thought. I signed my application and was assured by their rep that I was immediately covered. After three months of receiving no bills from them, I gave them a call — and they had no record of any policy! Even worse, they were neither helpful nor apologetic.
Avoid this place at all costs.

Insurance Company from Hell!!!
First of all, they «forget» to add that I am older than 26 years old and I had to pay more than $ 500 extra.
Secondly, they twist and turn your account to make sure you pay more. When I caught them lying to me their representative was screaming using phrases like «it’s a law», «according to a state» etc.
Also, year ago I changed my bank account and asked them to charge a debit card they were charging on a monthly basis. A guy told me that he will switch it but month later R&J made an attempt to charge my old card. I got $ 35 penalty from the bank for overdrafting closed account. When I came to complain the same guy lied in my eyes telling that I never asked him to change debit card. It was obvious that we was trying to portray me as an immigrant who doesn’t understand English. Anyway, I asked them to fix my information and it wasn’t fixed again!!! Month later they made another attempt to charge my old debit card again and I got penalty fees again. Don’t laugh but it happened on the third month as well! Only when I called their president and came to the office with a witness they got really scared and fixed everything in front of me. They even told me that all penalty fees will be refunded and they did it 3 – 4 month later (after I reminded them 4 or 5 times).
One day I received $ 153 bill (when normally I pay around $ 95-​$ 100) and I decided to switch insurance company. The same day they called me, apologized and told that mistake was fixed and I have to pay only $ 93. I cancelled anyway and now I am happy to pay $ 97 every month to another insurance company.
Please remember, Rapo & Jepsen office located right in the middle of the area which populated with students and immigrants. Their reps screw people because they feel that student’s don’t have experience and immigrants just afraid and don’t know many things. They love to use phrase «State Law» for a reason and without any reason. Also, they are getting really frustrated when customer know more than they expect or catch them lying.
Easy to say, stay away from this dbags and frat boys!